1523 Mccaulley St · Sweetwater, TX 79556

$125,000

3 bd · 1.0 ba · 1,034 sqft · SingleFamily public records · 33 Days on market

Built 1970 6,621 sqft lot

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Why this score? — see what drove the C grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +25.0/30.0
• DSCR +8.2/10.0
• ARV discount +7.5/15.0
• 1% rule +6.6/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to your dream home! This beautifully designed 3-bedroom, 1-bathroom home is full of charm and potential, offering everything you've been searching for. Step inside to find original hardwood floors that bring warmth and character throughout the home. Built-in flower beds add the perfect touch for showcasing your favorite plants and creating inviting curb appeal. Out back, you'll love the covered patio—ideal for relaxing evenings, weekend BBQs, and entertaining guests—all while enjoying the privacy of the fenced backyard. A handy storage building provides plenty of extra space for tools, hobbies, or seasonal dcor. Whether you're looking for your first home, downsizing, or

Key facts

• Storage building
• Built-in flower beds
• Covered patio

Tags

• ORIGINAL HARDWOOD FLOORS
• BUILT-IN FLOWER BEDS
• COVERED PATIO
• FENCED BACKYARD
• STORAGE BUILDING

Property features AI

Exterior

• Parking: Driveway with open parking
• Utilities: Public water; Public sewer; Electricity connected; Natural gas connected/available; Sewer connected; Water connected
• Home design: Single-family residence; Residential property
• Construction: Brick veneer and other construction materials
• Exterior features: Back yard fencing; Block fencing; Metal roof; Storage structure

Interior

• Flooring: Hardwood flooring; Vinyl flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Natural gas heating; Central air conditioning
• Interior features: High speed internet

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $273 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Recommended offer: $121k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.9% vs local median 6.1% in Sweetwater — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 66/100 on livability (#640 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime D+, schools F, amenities F.
• Sweetwater ISD (town): math 27% / reading 29% proficiency, ranked #681 of 826 in TX (top 82%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 108 active listings in the ZIP; 15 units permitted in Nolan County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Nolan County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 33 days — a 3% lower offer ($121k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $121,250 (3.0% below list)

Questions for the listing agent

1. It's been on market 33 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.16% ✓
• Cap rate: 8.91%
• Cash-on-cash: 9.34%
• DSCR: 1.42
• GRM: 7.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -2.2%
• Equity multiple: 0.92×
• Total profit: $-2,873
• Equity at exit: $18,638

10-year hold

• IRR: 7.5%
• Equity multiple: 1.57×
• Total profit: $19,954
• Equity at exit: $10,808

Cash invested: $35,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Texas: 87 Strongly Landlord-Friendly · R+5
• County: — inherits STATE
• City: — inherits STATE

3-day notice; statewide preemption; one of the fastest eviction climates; Travis County (Austin) slightly slower.

Methodology + full state rankings →

ZIP-level market 79556

• Active inventory: 108
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,447 medium
• Mortgage (P&I): −$656
• Tax from tax record: −$163 /mo · $1,960/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$304
• Net cashflow: $273

Break-even live

Break-even rent $1,102

Max offer price $125,000

Occupancy floor 76%

Sensitivity live

Price	-10% $343	-5% $308	+0% $273	+5% $237	+10% $202
Rent	-10% $158	-5% $215	+0% $273	+5% $330	+10% $387
Rate	-1.0pp $335	-0.5pp $304	base $273	+0.5pp $240	+1.0pp $207

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-21
   days on market $125,000 Active 33 DOM
2. 2026-06-18
   days on market $125,000 Active 31 DOM
3. 2026-06-17
   days on market $125,000 Active 30 DOM
4. 2026-06-16
   days on market $125,000 Active 29 DOM
5. 2026-06-15
   days on market $125,000 Active 28 DOM
6. 2026-06-15
   days on market $125,000 Active 27 DOM
7. 2026-06-13
   days on market $125,000 Active 26 DOM
8. 2026-06-12
   days on market $125,000 Active 25 DOM
9. 2026-06-09
   days on market $125,000 Active 22 DOM
10. 2026-06-08
    days on market $125,000 Active 21 DOM
11. 2026-06-08
    days on market $125,000 Active 20 DOM
12. 2026-06-07
    days on market $125,000 Active 19 DOM
13. 2026-06-03
    days on market $125,000 Active 16 DOM
14. 2026-06-02
    days on market $125,000 Active 15 DOM
15. 2026-06-01
    days on market $125,000 Active 14 DOM
16. 2026-05-31
    days on market $125,000 Active 13 DOM
17. 2026-05-15
    listed $125,000 Active
18. 2004-10-31
    soldstatus
19. 2004-06-03
    soldstatus
20. 2003-06-27
    soldstatus
21. 2003-02-26
    soldstatus
22. 1996-05-14
    soldstatus
23. 1990-04-13
    soldstatus

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast TX · Resets to sale price

• Current annual tax: $1,960 · $163/mo
• Projected year-2 tax: $2,288 · $191/mo
• Expected delta: +$327/yr (+$27/mo · 16.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X · 0% chance over 30 yrs
• 🔥 Wildfire 9/10 Extreme
• 🌡 Heat 6/10 Major 7 d/yr ≥104°F today · 22 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,369
• − Mortgage interest: −$7,002
• − Property taxes: −$1,960
• − Insurance: −$625
• − Repairs & maintenance: −$1,390
• − Management: −$1,390
• − Depreciation: −$3,636
• Taxable income: $1,366
• Est. tax owed @ 24.0%: −$328
• After-tax cash flow: $2,942/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Sweetwater ISD
• NCES district ID: 4842030
• Math proficiency: 27% ▼ -11.00%
• Reading proficiency: 29% ▼ -4.00%
• Median HH income: $37,599
• Composite: 23.36/100
• National rank: #7912
• State rank: #681 of 826 in TX

Livability — Sweetwater

• Score: 66/100
• State rank: #640
• US rank: #12189

Category grades

Amenities F Commute F Cost of living A+ Crime D+ Employment F Housing A+ Health & safety A+ User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sweetwater, TX
• City population: 12,593
• Population (ZIP): 12,593

Population outlook (Nolan County) Hauer SSP2

• Today (2025): 15,048 people
• By 2030: 15,043 · +-0.0%
• By 2040: 15,235 · +1.2%
• By 2050: 15,603 · +3.7%
• By 2075: 16,528 · +9.8%
• By 2100: 16,427 · +9.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 53% Hispanic / Latino 38% Two or more races 19% Black 4%
• Hispanic origin (detail): Mexican 35%
• Common ancestry: Slovak 1% Italian 1% Lithuanian 1%
• Foreign-born: 4% · Canada, Dominican Republic
• Languages at home: 77% English-only · Spanish 22%

Political lean MEDSL · Nolan

• 2024 margin: Solid R (+59.2) · D 19.9% · R 79.2%
• 2008→2024 swing: -20.4pp toward R · 2008: -38.8pp · 2024: -59.2pp
• All cycles: 2024: R+59.2 2020: R+55.4 2016: R+53.2 2012: R+45.1 2008: R+38.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -129.76%
• Current HPI: 123.8718
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

Industry mix (Fortune 500 HQ in TX)

Industry	F500 HQs	Revenue
▸Energy	16	$1,198B
▸Technology	5	$198B
▸Engineering / Construction	4	$72B
▸Energy Services	3	$60B
▸Utilities	3	$41B
▸Healthcare	2	$330B

Price history

7 events — show timeline

• 2026-05-15 Listed $125,000 NCBOR
• 2004-10-31 Sold (Public Records) — Public Records
• 2004-06-03 Sold (Public Records) — Public Records
• 2003-06-27 Sold (Public Records) — Public Records
• 2003-02-26 Sold (Public Records) — Public Records
• 1996-05-14 Sold (Public Records) — Public Records
• 1990-04-13 Sold (Public Records) — Public Records

Property tax history

+8.0%/yr

Latest (2025): $1,960 · -7.2% YoY. Source: county tax records.